I am 26,000 in credit card debt. My life turned around completely last year and I lost many things in my life, family, job, etc. I am not making enough on my job to pay the basics and have been using up all may savings. Now I have no savings left and am short 600 month just for basics and providing for my daughter although she doesn't live with me. She lives with my mom who is living on ss. I need to file chapter 7 but can't afford the fees and am not smart enough with paper work to do it myself (I'm terrible with directions). I can scrape together money for the useless credit counseling stuff (so they can figure out how I can pay 1800 bills on 700 income, lol) if I don't buy groceries for a couple weeks but I have no way of getting 500 dollars. My employer cuts hours every week and it's that way on all retail jobs. I can't just get a better job and even with that, i would only have the money I need for the basics. My small tax refund will only be 30 dollars.
2007-02-18 11:57:59 · 2 answers · asked by reallyfedup 5 in Business & Finance ➔ Credit
If I was able to get a second job (not easy with no transportation and if I work after dark, I have to take a taxi (I spend 20 dollars a week now on taxi rides when I get off at night as my neighborhood is very dangerous and I can't move). If I can find extra work hours, it will just keep me from being homeless a couple months longer, it will not cover bankruptcy costs. I have no resources, family and friends have no money to help. Is there anywhere in Houston where I can find free legal help (not just a consultation but actual filing assistance without cost?) If I have to pay the fees, I will not be able to pay rent. At the rate I am going, I will be homeless as of July 1st providing I don't lose my job or have any more hours cut.
2007-02-18 12:01:34 · update #1
They are only a week late but I am already getting calls all day during the week. No one leaves a message on my machine so I presume it's one of my creditors. I need to file bankruptcy because if I don't they will sue me and freeze my bank account which only contains my pay deposits which are only 700 but if they take that, I can't pay my rent. I have nothing to sell as I lost everything I owned last year when my family through me out. They gave away and sold all my stuff. I have a 50 tv and a40 boombox that doesn't work and a 2year old computer that runs slow.
2007-02-18 12:13:14 · update #2
Those credit card companies won't help anyway. Why pay off the credit cards if you can't stay alive? Are they seeking legal recourse?
2007-02-18 12:10:05 · answer #1 · answered by Anonymous · 0⤊ 0⤋
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2007-02-18 13:37:24 · answer #2 · answered by creditcard 1 · 0⤊ 0⤋